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Are you still too much for car insurance?

Anyone who owns a car needs car insurance. This article gives you some tips to reduce your car insurance. Here is a checklist of the items, ask your insurance broker, for the rebates. Please note that not all discounts can be with all insurance companies in all states.

1. Shop Around

Go to your favorite search engine and type in "free car insurance online offers." You see a long list of insurance companies that you know. Visit at least five sites, and car insurance for a link to the free offerings. You will then be asked basic information about yourself, your driving history, your car and the brand, model and year. It only takes a few minutes, and shortly thereafter, they e-mail address, a cost estimate. Note the Web site address, toll-free customer service number and e-mail address.

Any insurance is to ask you, in general, the same questions, and give you options of how much coverage you want. Find your current policy if you have one, and make the coverage currently have. Always the same information and ask for the coverage of any company, so you compare apples with apples. Read the fine print and make sure that nothing from the quote like Rental Car coverage, towing, medical, etc. ..

For the purposes of rating, the insurance will not ask you your social security number, but keep in mind your actual costs are higher or lower depending on your credit history. If you are not sure about some of the terminology or coverage, notes so that you can use the insurance directly through them.

If you are at least five offers by e-mail to you, take the lowest two or three courses and see if they are less than what you now pay. Most, at least one of them is much lower. At this point you will be to make them directly to the most accurate supply additional personal information. Further reductions, there is a checklist of things you should have.

[] $ 500 deductible

[] $ 1,000 deductible

[] Paying monthly, semi-annually or annually

[] More than 1 car

[] No Accidents in 3 years

[] No Moving Violations in 3 years

[] Driver Training Courses

[] Defensive Driving Courses

[] Anti-theft devices

[] Low Annual Mileage

[] Air Bags

[] Anti-lock brakes

[] Daytime Running Lights

[] Student Drivers with good grades

[] Auto and homeowners coverage with the same company

[] Students away from home

[] Long-Time Customer

[] Other Discounts

2. Save insurance premiums for cars that you win bet.

If you have a clear title to your car, which means there is no bank loan, then you can consider dropping the collision / comprehensive coverage. As a rule of thumb, if the car is worth less than $ 3000, it may not make sense for you to pay for this additional coverage. Over time, the cost of additional insurance premium is the value of the car. It's pretty simple math.

Check the fair market value of your car either through Edmunds.com or your local newspaper. See what other people are trying to get for the same car. Remember, your cars mileage, condition and age. She was in an accident before? Are there any unusually high mileage of more than 15,000 miles per year? Is it need new tires? You get the idea. Be realistic, because in the event that this car is damaged in an accident and not repaired, it is unlikely you will receive the full value of the car.

3. Learn about insurance prices in different areas

Prices may also vary in the same state. Different locals have different accident rates, population and crime. All these factors into the final cost. If you live in another area, ask what the prices are for this city.

4. Learn about Other Insurance Getting along with your auto insurance

Combining the insurance with the same company can often give you additional discounts. If you have a house, ask your homeowners insurance with your auto insurance. Also ask about other policies, such as life, health, insurance companies and businesses. Most insurance companies cover a broad spectrum of activities and will bring significant discounts when you solely with them.

5. A Clean Credit History, the premium car:

After good credit, you can also lower your insurance costs. Many insurance companies, credit information Price Auto Insurance. Drivers with good credit and a clean driving record can be considered as "preferred" customer with lower risk and will be rewarded with lower premiums.

6. Low Mileage Discounts

Some companies offer discounts for drivers who drive a lower than average number of miles per year. If you car pool, public transportation like the subway, or work from home, you probably drive a few miles per year than the average driver.

7. Group Insurance

Some insurers offer discounts to drivers, which for certain companies or belong to professional associations and alumni groups. Ask your employer groups or associations that you belong, if they are any special arrangements with various insurance companies.

With all these tips you can use hundreds of dollars per year, especially if you have multiple cars and multiple drivers in the same household.

Robert Rogers is a writer in the Washington DC and specializes in money saving techniques. For free online quotes for all types of insurance, visit Insurance Quotes Online Free